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Owners who treasure their older houses are sometimes surprised by the high estimated cost to rebuild their homes, should they have a total loss. But a little history lesson may help explain why reconstruction costs on homes built prior to 1945 can be challenging. What happened in 1945 to make construction costs change so much? The Federal Housing Administration mandated building codes and standardized mills for the first time in 1945. Previously, all lumber was “true dimensional,” which means a 2×4 piece of lumber was actually two inches by four[.....]

The post 1945: a key year in understanding home reconstruction costs appeared first on The Cincinnati Insurance Companies blog.

Boilers are more compact and efficient than ever before. Homes, commercial buildings and industrial occupancies that once required large heating boilers can now be heated using smaller and smaller boilers. There is almost no downside to constructing boilers to be smaller and more efficient – at least, not as long as the boiler does not slip “out of mind” because it is so small that it’s “out of sight.” The Minnesota Department of Labor & Industry recently released an analysis of a catastrophic boiler explosion, This Boiler Was Too Small[.....]

The post ‘Out of sight, out of mind’ can be a dangerous boiler strategy appeared first on The Cincinnati Insurance Companies blog.

Are you tired of making less than 1 percent on your money and having to pay taxes on that growth? Do you enjoy the flexibility of being able to access your money and not having it “locked up” for several years? If you answered yes to both of those questions, let me introduce you to the benefits of purchasing a fixed annuity. Q:  So what is a fixed annuity? A:  A fixed annuity is a contract that provides a guaranteed interest rate as well as the ability to provide income[.....]

The post Fixed annuities are alternatives to CDs appeared first on The Cincinnati Insurance Companies blog.

There are close to 300,000 manufacturing businesses across America, ranging from machine shops to woodworkers to plastics manufacturers. All of them need a comprehensive insurance policy. MORE THAN PRODUCT LIABILITY People often think of insurance protecting a manufacturer against liability claims stemming from products they made. But insurance coverage should be much more than that. What if you are a manufacturer and are unable to continue making your product because of something that happened off of your premises? For example, a tornado knocks out power lines that prevent you from[.....]

The post Manufacture your best policy appeared first on The Cincinnati Insurance Companies blog.

Part 1 of 3 – Paintings can be protected to some extent from the effects of normal aging by good preventative conservation measures and from physical damage by good hanging, handling and storage procedures. However, time transforms most paintings in one way or another. While many are resilient, others can be extremely sensitive to both physical and environmental change. Paintings often suffer damage and deterioration both through their natural aging process and from accidents, mishandling, improper storage and display, exposure to extreme or fluctuating temperatures and relative humidity, improper cleaning[.....]

The post What’s happening to my paintings? appeared first on The Cincinnati Insurance Companies blog.